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Comparison of Deposit Account from TWINSTAR with 0.50% - May 2025


Long-Term Analysis of Centennial Bank with 0.20% APY and Bank of Zumbrota with 0.79% APY and TWINSTAR with 0.50% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    Centennial Bank
    0.20%
    -
    $50,000
    18 Month
    Bank
    0.34x (National Avg. - 0.58%)
    $10,000
     
    SCENARIO
    Year Rate
    0.20%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 100 70
    2 50,100 100 70
    3 50,200 100 70
    4 50,301 101 70
    5 50,401 101 71
    6 50,502 101 71
    7 50,603 101 71
    8 50,704 101 71
    9 50,806 102 71
    10 50,907 102 71
    11 51,009 102 71
    12 51,111 102 72
    13 51,213 102 72
    14 51,316 103 72
    15 51,418 103 72
    16 51,521 103 72
    17 51,624 103 72
    18 51,727 103 72
    19 51,831 104 73
    20 51,935 104 73
    TOTAL $2,038 $1,427
  • 2
    LOCAL CD
    Bank of Zumbrota
    0.79%
    -
    $50,000
    36 Month
    Bank
    1.05x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.79%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 395 277
    2 50,395 398 279
    3 50,793 401 281
    4 51,194 404 283
    5 51,599 408 285
    6 52,006 411 288
    7 52,417 414 290
    8 52,831 417 292
    9 53,249 421 294
    10 53,669 424 297
    11 54,093 427 299
    12 54,521 431 301
    13 54,951 434 304
    14 55,386 438 306
    15 55,823 441 309
    16 56,264 444 311
    17 56,709 448 314
    18 57,157 452 316
    19 57,608 455 319
    20 58,063 459 321
    TOTAL $8,522 $5,965
  • 3
    LOCAL CD
    TWINSTAR
    0.50%
    -
    $50,000
    36 Month
    Credit Union
    0.66x (National Avg. - 0.75%)
    $10,000
     
    SCENARIO
    Year Rate
    0.50%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 250 175
    2 50,250 251 176
    3 50,501 253 177
    4 50,754 254 178
    5 51,008 255 179
    6 51,263 256 179
    7 51,519 258 180
    8 51,776 259 181
    9 52,035 260 182
    10 52,296 261 183
    11 52,557 263 184
    12 52,820 264 185
    13 53,084 265 186
    14 53,349 267 187
    15 53,616 268 188
    16 53,884 269 189
    17 54,154 271 190
    18 54,424 272 190
    19 54,696 273 191
    20 54,970 275 192
    TOTAL $5,245 $3,671

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↓0.50% on October 1, 2024.

    Last change: ↑0.20% on January 18.

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    6 Month Jumbo CD.

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